Legal
Truth In Equity
A wholly-owned subsidiary of IFS Development Group, LLC
Effective: August 17, 2026
We stand behind the Credit Line Banking® program, also referred to as Equity Advantage®. This guarantee applies to the program however it is implemented for you — whether by the Executive Choice™ method using a single line, or the Professional Blend™ method using two blended loans. The Truth is in the Proof®.
This guarantee is extended only to full consulting clients — those who have signed a written consulting agreement with Truth In Equity, arranged by an assigned Truth In Equity broker, and paid the consulting fee.
It does not apply to any other purchase. The DIY Credit Line Banking Handbook, and any other book, guide or digital product, are sold separately, are delivered to you immediately, and are not refundable. This guarantee does not extend to them.
It applies only after six months of focused implementation, during which you have:
What we stand behind. We guarantee the program as we design it and as your broker delivers it to you, applied to the numbers you gave us. We are not responsible for results where the program has been altered or redesigned, where components other than those specified by your broker have been substituted, or where the outcome turns on matters outside the scope of what we do.
TruthInEquity.com will refund the entire consulting fee if, after six months, you are not experiencing positive results* from the program, or if during the process you are unable to secure the necessary components due to insurmountable challenges (see Implementation Guarantee below).
What "positive results" means. At the start of your program we produce an analysis projecting the reduction in your balances and interest. Positive results means your actual figures are moving in the direction that analysis projected, measured from the monthly statements you provide. It does not require you to have matched the projection exactly — market conditions and personal circumstances vary — but it does mean measurable progress consistent with it.
Ultimately it is up to you to ensure the success of the program and achieve projected results*. If you do not follow the guidance of your Financial Strategist, and if you continue to operate under conventional practice, you will not achieve projected results*. As promised in our agreement, we provide continued service to monitor your activities and evaluate individual performance of the program. Monthly monitoring of activity and performance evaluation are critical components of success.
Failure to adhere to the above on a monthly basis during the 6 month guarantee period constitutes a breach of this agreement, and the refund guarantee becomes null and void.
Your request must be made in writing to [email protected] within 30 days of the end of the six-month guarantee period.
Your request should state that you are invoking this guarantee. We will have already received your monthly statements under the requirements above, so nothing further is normally needed. Requests made after that 30-day window cannot be considered.
Your consulting agreement provides that if you end the agreement early, no refund of the fee is due unless the termination is for our failure to perform. That remains the case. This guarantee does not change it.
A refund under this guarantee is not an early termination. It is available only in the two circumstances set out in this document:
If you end your agreement before the six-month period is complete, for any other reason, no refund is due.
Your consulting agreement refers you to this document for the details of the refund policy. This document supplies them.
To validate this money back guarantee, TruthInEquity.com and the customer agree to facilitate all possible means to implement this program via mortgage loan(s), an unsecured personal line of credit, or any other type of revolving account suitable for program execution.
With final payment and consummation of our consulting agreement, TruthInEquity.com and the customer agree to thoroughly conduct due diligence in efforts to secure suitable financing for the implementation and execution of the program.
With our assistance you will be applying for and obtaining your own financing. The following events must occur to validate the refund policy:
Voluntary withdrawal of loan application — If voluntary withdrawal is based on an unfavorable change in terms offered by the specified bank or lender, customer and TruthInEquity.com agree to resume efforts to identify an alternative lending source.
Fees — If the customer voluntarily withdraws a loan application due to an unfavorable fee environment.
Projected results are based solely on the information you provided. Actual results may vary based on the accuracy of the information provided, qualification standards, active participation in the concepts and strategy, and individual fiscal responsibility.
Truth In Equity
A wholly-owned subsidiary of IFS Development Group, LLC
Email: [email protected]
Telephone: 727.505.4775
Post: 2715 Buffalo Trail, Morristown, TN 37814
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